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advertisement agency amended amount financed annual percentage rate Appendix applicable automated teller machines bank billing cycle billing error Board business days cancel card issuer cardholder cash commentary to section compliance comply computed consumer credit consumer lease consumer's account cost credit card credit plan credit transaction creditor need debit card deposit account determined direct deposit disclosed disclosures required electronic fund transfers estimates example exemption Federal Reserve System fees financial institution identified imposed initial disclosures lease term lessee lessor liability loan ment metropolitan statistical area Model Form monthly payments nance notice obligation obligor Official Staff Commentary open-end credit option paragraph payment schedule percent periodic rate periodic statement person prepaid finance charge Previous regulation procedures purchase purposes refund Regulation Z Official right of rescission right to rescind rules security interest specific sumer terminal tion Truth in Lending unauthorized unit periods variable-rate